Accident and Sickness Health Insurance Plan
The Student Accident and Sickness Health Insurance Plan (major medical plan) is a comprehensive health insurance policy which fulfills state law requirements by providing coverage for:
- routine office visits to the on-campus health clinic, Norton Medical Center/Sturdy Memorial Associates, as well as Sturdy Memorial Hospital and other local providers in MA
- diagnostic testing
- lab services
- prescription drugs
- mental health services
- emergency services
IMPORTANT: Federal Healthcare Reform and the Health Insurance Plan offered by Wheaton.
Features of the Student Accident and Sickness plan offered through Wheaton include:
- 12 months of coverage ($500,000 max per policy year) from August 6, 2013 to August 5, 2014 for approximately $1665 (Spring semester-only rate approximately $1100)
- Coverage while traveling abroad
- A $25 copay for most visits (visits at the on-campus health clinic, Norton Medical Center, are free of charge)
- No deductible
- May be a student's primary insurance plan or, for added coverage and convenience, may be a student's secondary insurance in conjunction with the student's primary personal insurance
- Pharmacy benefit through Medco (3 tier coverage: $10, $25, $50 to a max benefit of $100,000)
- In-network (First Health Network) and out-of-network coverage
All students are automatically enrolled in the Student Accident and Sickness Health Insurance Plan. If you determine that your personal health insurance plan provides comparable coverage (coverage that is equal to or more extensive than that listed in the first paragraph above) to the plan offered by Wheaton and you wish to waive the Accident and Sickness plan offered by Wheaton, please visit Gallagher Koster to submit an on-line waiver form. The waiver process is operational beginning the second week of July for first semester students and mid-December for second semester students.
If you decide to waive the insurance plan offered by Wheaton, please note that certain other health insurance plans, such as HMOs, out-of-state Medicaid, and several other out-of-state policies (e.g., Kaiser), do not provide comparable coverage. If you belong to such a plan, Massachusetts law requires that you participate in the health insurance plan offered by Wheaton or a comparable alternate plan.
Also, please be aware that you may only waive the health insurance plan offered by Wheaton if you are covered by a comparable health insurance plan with a US mailing address (based in the US). International students are required to purchase the Wheaton sponsored insurance plan, regardless of other coverage.
To assist you in comparing health insurance policies, the Wheaton Accident and Sickness Plan brochure (2013-14 available soon), 2013-14 plan highlights, and FAQs are available online at gallagherkoster.com.
To inquire about enrolling in or waiving the Wheaton Accident and Sickness plan after the deadline has passed, please contact Student Financial Services at 508.286.8232.